Local San Luis Obispo, California insurance coverage that fits your family & business needs, with a team that knows your name.
Home, wildfire, and earthquake insurance in San Luis Obispo, California
San Luis Obispo sits halfway between Los Angeles and San Francisco along Highway 101. It is home to Cal Poly and Mission San Luis Obispo de Tolosa, and the surrounding Edna Valley and Paso Robles areas are known for their wineries.
Homeowners insurance on the Central Coast
Home values here are high, and many homes back up to open hillsides. Carriers look closely at brush clearance, roof type, and distance from wildland areas. We shop homeowners coverage across carriers and write high-value home coverage for larger properties.
Earthquake and flood coverage
The 2003 San Simeon earthquake damaged buildings across the county, and in January 2023 San Luis Obispo Creek flooded downtown streets and businesses. Neither earthquake nor flood is covered by a standard home policy, so we quote earthquake insurance and flood insurance separately.
Students, landlords, and businesses
With Cal Poly in town, we write renters insurance for students and landlord policies for rental owners. We also insure wineries, restaurants, and other local businesses, along with auto insurance.
Your insurance team for San Luis Obispo, California
We work with San Luis Obispo households and business owners, and also serve nearby Pismo Beach, Arroyo Grande, Morro Bay, Atascadero, and Paso Robles, along with communities across California.
Bundle home, auto & umbrella.
Bundling opens up more carriers, more coverage options, and better rates. We’ll stack every discount you qualify for.
On the road (and the water)
Daily drivers, weekend toys, and everything with a motor or a sail.
Under your roof
Owners, renters, landlords, and the place you’re still building.
Everything else that matters
The people, pets, and treasures you’d never want to replace.
Protection for every side of your business.
Every business is different. We partner with you to build a clear insurance and risk plan that lowers risk, manages cost, and lets you move ahead with confidence.
General Liability
Covers injuries on your premises and business activities that damage someone else’s property. Same-day coverage available.
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Business Owners Policy
An affordable way to bundle general liability and commercial property insurance into one policy.
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Commercial Auto
Covers vehicles used for business, like delivery trucks or service vans, including accident liability and physical damage.
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Workers’ Compensation
Required by law in most states. Covers medical bills, lost wages, and rehab costs for on-the-job injuries.
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Cyber Liability
Helps pay data breach costs, including legal fees, customer notifications, and credit monitoring for anyone affected.
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Professional Liability
Also called E&O. Covers claims from professional errors, negligence, or malpractice.
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Commercial Property
Protects your building, inventory, furniture, equipment, and fixtures from fire, theft, vandalism, and natural disasters.
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Builders Risk
Protects structures under construction from fire, theft, and vandalism, plus on-site materials, equipment, and supplies.
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Elye exists to safeguard your family or business with proactive, strategic insurance planning, not just annual renewals.
Michael Urbano · Founder, Elye Insurance
Your trusted insurance advisor in San Luis Obispo, California providing insurance solutions for every stage of life.
Insurance services offered by Elye Insurance in San Luis Obispo, California.